Title: Built for firefighters | MoneyBadger
URL: https://moneybadger.us/firefighters
Description: The overtime, the night differential, the shift trade, the pension line: decoded in plain words for you to review.

For firefighters

# A coach in your corner.

Overtime, shift trades, the pension clock. Read for your review, every payday.

Get your plan

## Built for the firehouse

Three calculators, free to use, on your own numbers.

[Build your budget Your check, your bills, and what is actually left over. Built from the stub you snapped. Open it](https://moneybadger.us/snap) [Overtime calculator What an overtime shift actually pays you after tax, not what the hourly rate suggests. Open it](https://moneybadger.us/firefighter-overtime-calculator/) [Your retirement A designed firefighter example: see what invested savings can build while pension dollars stay held. Choose your department after you open an account. Open it](https://moneybadger.us/firefighter-retirement/)

Every finished calculator is free to open; the answer unlocks with a free account, no card required. Rough estimates, not a benefit determination.

OAKLAND FIRE · DE-IDENTIFIED PILOT · CHECK THE FIGURES

- Base pay · 106 hours $4,876
- Overtime · 2 tours +$824
- STO · shift trade +$412 A paid shift trade, not overtime. Different pay code, different tax picture. Most apps lump it in; we read the difference.
- Pension contribution -$389
- Roth 457 · after tax -$150

5 lines, added up $5,573

Before tax withholding. There is no tax line on this card.

Stub-backed pay-code dictionaries: FDNY, Oakland Fire, San Francisco Fire.

## The OT check that felt smaller than the tour was worth.

We show the real after-tax value of an extra tour in dollars, from your own rate.

## "When can I go?"

Your pension as a percent of pay, by exit year. The full curve is coming; the honest read is here today.

## The 457 you keep meaning to raise.

One concrete move, math shown: a $50 bump that costs about $37 a check before tax.

## How it works

1. Snap your stub.
2. We read it and tell you what it says.
3. Goals and retirement.
4. If you'd like, link your accounts and see where your real spending pulls away from your plan.

- We ask you to keep your member name, SSN, and street address outside the crop. The uploaded image is stored transiently while it is read, then deleted when the read completes, in all cases within approximately one hour.
- We never move your money. And we never sell your data. If you link accounts later, it is read-only.
- Educational, not investment advice. We organize your check and your plan. We do not manage investments.

Snap my stub

No account needed to start. About 90 seconds.

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